"The ultimate goal of the FSGBank Treasury Sales Department is to help a business expedite receivables, streamline payables, mitigate risk including payment fraud, and manage cash and liquidity."

FSGBank's Treasury Management Services are different from other bank products in that they are designed to help customers manage their time and money more efficiently, and also to make the business money.

"When our company decided to start using direct deposit for payroll, we contacted FSGBank to determine what was necessary to get started. We were put in touch with Ashley Jackson who literally handled everything from that point on," said Janet Hazlerig of Luffman Byers Telecom. "I was impressed that she took the time to come out to our office and cover the entire procedure with us."

Ashley T. Jackson helps a business customer with her banking needs.

"Every business can benefit by using one, two or many treasury products and services," said Jackson.

For example, small companies benefi t by using Business Online Banking to view transactions or payroll services including Direct Deposit for their employees. Large companies benefit by utilizing accounts that offer earnings or credits that help offset fees, such as ACH debit and credit origination, positive pay fraud prevention tools and cash concentration. For single proprietors who want to know how the products will benefit them, Jackson assures those business owners that FSGBank's treasury services are designed for them as well.

"Small companies can benefit tremendously from taking advantage of business banking and treasury products," she said. One of the most popular and time-saving products for small businesses is FSGBank's remote deposit service. A client is able to make his deposit from his office at a time that is convenient for him with extended cutoff times as part of the service. "The process is simple and involves attaching a small scanner to the client's computer," Jackson explained.

FSGBank also offers many merchant products that provide solutions for accepting credit, debit and gift cards.

The treasury sales team works to customize options and utilize tools that will accomplish this end for their clients, said Jackson.

"We have a robust online banking platform that is user-friendly and designed to help process transactions quickly and efficiently," she added.

"I first met Ashley while working with our Private Banker, Debbie Scott at FSGBank. Debbie brought Ashley out as her Treasury partner. I really appreciate their team approach," said Sherry J. Groce, Office Manager, Chattanooga Emergency Medicine. "She took great care to explain not only the features I inquired about, but also consulted with us on other products that could help with our day to day deposit and Treasury needs. While consulting with her, I felt that Ashley had a genuine interest in exceeding my expectations."

The great part about banking with a community bank such as FSGBank is that they are large enough to offer sophisticated products but small enough to provide hands-on service.